Broad planning considerations:
Retirement & College Planning
Employee Benefits Coordination
Asset Preservation/Protection
Risk Management and Insurance
Tax Liabilities
Estate & Legacy Planning
Initial steps:
Gather relevant data
Define goals and objectives
Organize and simplify
Run planning scenarios
Deliverables:
Recommendations and guidance
Consolidation of accounts as warranted
eMoney Portal access - our powerful online collaboration platform that includes:
Secure online account aggregation (one's we manage as well as those held elsewhere)
Cash Flow and Budgeting tool
Shared-document Vault
Real-time Goals/Planning feedback
Investment recommendations are based upon:
Your measured short-term investment pain tolerance
A prescribed investment allocation using the results above and your long-term planning objectives
Investment vehicles and managers with risk/return characteristics and expenses weighed for appropriateness
Ongoing management includes:
Monitoring client portfolios regularly and adjusting, or rebalancing, on an as-needed basis
Revisiting goals and objectives to confirm investment allocations are still appropriate
Communicating throughout the journey
Approaching my destination, now what?:
New investment time horizon considerations
Reassessment of risk exposures
Income generation strategies
Retirement Account distribution strategies
Legacy planning